Home Insurance in Bel-Ridge, Missouri
Homes in Bel-Ridge carry a median value of $90,700 - 67% lower than the St. Louis County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bel-Ridge was built around 1954. About 64% of homes were built before 1960, about 30 points above St. Louis County's 34%.
The housing stock in Bel-Ridge is 75% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
58% of owner-occupied homes in Bel-Ridge carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 47% of occupied homes in Bel-Ridge are owner-occupied.
78% of homes in Bel-Ridge are primarily heated with natural gas.
FEMA rates St. Louis County's overall risk as Relatively High, led by hail (Very High). St. Louis County had 3,039 active NFIP flood policies as of September 2026. See the full St. Louis County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $90,700 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in St. Louis County | 3,039 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)